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easyPROTECT Civil Liability (Family, Building and Hunting Civil Liability) IPID EN

Résumé

Two-page Insurance Product Information Document (IPID) for easyPROTECT Civil Liability, covering Family, Building and Hunting civil liability. Family CL covers the policyholder and any person living in the same household for damage caused to a third party in private life, excluding any professional activity, and adds legal protection. Building CL covers damage caused to third parties by a building or land owned by an insured person who does not live on the land or in the building, and adds legal protection. Hunting CL covers the financial consequences of civil liability for bodily injury and material damage caused to third parties during hunting. Both the exclusions box and the restrictions box carry the printed note “Non-exhaustive list”.

Garanties

Family CL — Damage caused in private life - p. 1

Damage caused in private life (excluding any professional activity) - Optionnelle : non · Portée : The guarantees are valid throughout Europe, and worldwide for stays outside Europe of up to 45 days. The guarantees are granted in accordance with the conditions of the legislation in force in the country concerned. - Condition : Civil liability of the insured persons is covered for: - Condition : excluding any professional activity

Family CL — Damage caused by the insured person’s children - p. 1

Damage caused by the insured person’s children - Optionnelle : non · Portée : The guarantees are valid throughout Europe, and worldwide for stays outside Europe of up to 45 days. The guarantees are granted in accordance with the conditions of the legislation in force in the country concerned. - Condition : Civil liability of the insured persons is covered for:

Family CL — Damage caused by private housing - p. 1

Damage caused by private housing - Optionnelle : non · Portée : The guarantees are valid throughout Europe, and worldwide for stays outside Europe of up to 45 days. The guarantees are granted in accordance with the conditions of the legislation in force in the country concerned. · Limite : A limit of EUR 2,700 (index 100) for damage caused by fire or water and originating within the insured risk. - Condition : Civil liability of the insured persons is covered for:

Family CL — Damage caused as a keeper of domestic animals - p. 1

Damage caused as a keeper of domestic animals - Optionnelle : non · Portée : The guarantees are valid throughout Europe, and worldwide for stays outside Europe of up to 45 days. The guarantees are granted in accordance with the conditions of the legislation in force in the country concerned. · Limite : Amount limited to EUR 36,000 (index 100) per claim in the event of personal injury resulting from the transmission of disease and rabies by domestic animals - Condition : Civil liability of the insured persons is covered for:

  • Legal protection relating to Family Civil Liability
  • Optionnelle : non · Portée : The guarantees are valid throughout Europe, and worldwide for stays outside Europe of up to 45 days. The guarantees are granted in accordance with the conditions of the legislation in force in the country concerned.
  • Condition : Civil liability of the insured persons is covered for:
  • Condition : Printed with a “+” prefix and no tick, inside the “Family CL - Basic guarantees” block.
  • Condition : Legal protection: Free choice of lawyer in Luxembourg. For abroad, the prior agreement of the insurance company is required.

Building CL — Personal management misconduct committed by the insured person - p. 1

Personal management misconduct committed by the insured person - Optionnelle : non · Portée : The guarantees are granted to the location of the building indicated in the “Place of insurance” of the Special Conditions. - Condition : The civil liability of the insured person for damage caused to third parties by:

Building CL — The insured person’s staff maintaining, guarding or managing the building - p. 1

The insured person’s staff in their function of maintaining, guarding or managing the building - Optionnelle : non · Portée : The guarantees are granted to the location of the building indicated in the “Place of insurance” of the Special Conditions. - Condition : The civil liability of the insured person for damage caused to third parties by:

Building CL — Falling materials and articles from the building - p. 1

Falling materials and articles from the building - Optionnelle : non · Portée : The guarantees are granted to the location of the building indicated in the “Place of insurance” of the Special Conditions. - Condition : The civil liability of the insured person for damage caused to third parties by:

Building CL — Defects in construction, lack of maintenance or lighting, defective state of heating equipment - p. 1

Defects in construction, lack of maintenance or lighting, defective state of heating equipment (fireplaces, boilers and oil tanks). - Optionnelle : non · Portée : The guarantees are granted to the location of the building indicated in the “Place of insurance” of the Special Conditions. - Condition : The civil liability of the insured person for damage caused to third parties by:

  • Legal protection relating to civil liability for buildings
  • Optionnelle : non · Portée : The guarantees are granted to the location of the building indicated in the “Place of insurance” of the Special Conditions. · Limite : Legal protection: no payments concerning bodies for the recovery of amounts of less than EUR 500, unless otherwise stipulated.
  • Condition : The civil liability of the insured person for damage caused to third parties by:
  • Condition : Printed with a “+” prefix and no tick, inside the “Building CL - Basic guarantees” block.
  • Condition : Legal protection: Free choice of lawyer in Luxembourg. For abroad, the prior agreement of the insurance company is required.

Hunting CL — an act of hunting or killing harmful animals or pests - p. 1

an act of hunting or killing harmful animals or pests - Optionnelle : non · Portée : The guarantees are valid throughout Europe, with the exception of Albania, the former Yugoslavia and Turkey. In countries other than the Grand Duchy of Luxembourg, the guarantee is granted in accordance with the legislation in force in the country concerned. · Limite : Intervention limit per claim of EUR 1,500,000 for personal injury - Sous-limite : Intervention limit per claim of EUR 1,500,000 for personal injury - Sous-limite : Intervention limit of EUR 125,000 for material damage (guarantees that cannot be combined with other guarantees in the easyPROTECT contract) - Condition : In accordance with the legislation in force, the Company insures the insured person against the financial consequences of civil liability for bodily injury and material damage caused to third parties by mishandling or carelessness, as a result of accidents caused by:

Hunting CL — a hunting weapon during hunting and while cleaning it at home - p. 1

a hunting weapon during hunting and while cleaning it at home - Optionnelle : non · Portée : The guarantees are valid throughout Europe, with the exception of Albania, the former Yugoslavia and Turkey. In countries other than the Grand Duchy of Luxembourg, the guarantee is granted in accordance with the legislation in force in the country concerned. · Limite : Intervention limit per claim of EUR 1,500,000 for personal injury - Sous-limite : Intervention limit per claim of EUR 1,500,000 for personal injury - Sous-limite : Intervention limit of EUR 125,000 for material damage (guarantees that cannot be combined with other guarantees in the easyPROTECT contract) - Condition : In accordance with the legislation in force, the Company insures the insured person against the financial consequences of civil liability for bodily injury and material damage caused to third parties by mishandling or carelessness, as a result of accidents caused by:

Hunting CL — civil liability of the policyholder as owner or keeper of hunting dogs - p. 1

civil liability of the policyholder in their capacity as owner or keeper of hunting dogs - Optionnelle : non · Portée : The guarantees are valid throughout Europe, with the exception of Albania, the former Yugoslavia and Turkey. In countries other than the Grand Duchy of Luxembourg, the guarantee is granted in accordance with the legislation in force in the country concerned. · Limite : Intervention limit per claim of EUR 1,500,000 for personal injury - Sous-limite : Intervention limit per claim of EUR 1,500,000 for personal injury - Sous-limite : Intervention limit of EUR 125,000 for material damage (guarantees that cannot be combined with other guarantees in the easyPROTECT contract) - Condition : In accordance with the legislation in force, the Company insures the insured person against the financial consequences of civil liability for bodily injury and material damage caused to third parties by mishandling or carelessness, as a result of accidents caused by:

Exclusions

Exclusion Description S'applique à Page
Family CL — any professional activity Damage caused in private life (excluding any professional activity) — the exclusion is printed inside the green “What is insured ?” box, as a parenthesis in the covered bullet itself, not in the exclusions box. Family CL p. 1
Family CL — Intentional act, fraud or gross negligence Intentional act, fraud or gross negligence Family CL p. 1
Family CL — owner or user of motor boats or sailing boats Civil liability as owner or user of motor boats or sailing boats Family CL p. 1
Building CL — profession, trade or industry carried out in the building Damage resulting from the exercise of a profession or carrying out a trade or running an industry in the building Building CL p. 1
Hunting CL — toxic products forbidden by the competent authorities Damage caused by the use of toxic products forbidden by the competent authorities Hunting CL p. 1
Hunting CL — damage caused by wild game to crops and plantations Damage caused by wild game to crops and plantations Hunting CL p. 1
Family CL — EUR 2,700 (index 100) limit for fire or water damage originating within the insured risk A limit of EUR 2,700 (index 100) for damage caused by fire or water and originating within the insured risk. — Printed under the heading “Are there any restrictions on cover ?”; it is a cover limit, not an exclusion. The same figure is carried in the limits of the corresponding coverage. Family CL p. 1
Family CL — EUR 36,000 (index 100) limit for disease and rabies transmitted by domestic animals Amount limited to EUR 36,000 (index 100) per claim in the event of personal injury resulting from the transmission of disease and rabies by domestic animals — Printed under the heading “Are there any restrictions on cover ?”; it is a cover limit, not an exclusion. The same figure is carried in the limits of the corresponding coverage. Family CL p. 1
Building CL — Legal protection: no recovery below EUR 500 Legal protection: no payments concerning bodies for the recovery of amounts of less than EUR 500, unless otherwise stipulated. — Printed under the heading “Are there any restrictions on cover ?”. The same figure is carried in the limits of the legal protection coverage. Legal protection relating to civil liability for buildings p. 1
Hunting CL — EUR 1,500,000 intervention limit per claim for personal injury Intervention limit per claim of EUR 1,500,000 for personal injury — Printed under the heading “Are there any restrictions on cover ?”; it is a cover limit, not an exclusion. The same figure is carried in the limits / sub_limits of the Hunting CL coverages. Hunting CL p. 1
Hunting CL — EUR 125,000 intervention limit for material damage, not combinable Intervention limit of EUR 125,000 for material damage (guarantees that cannot be combined with other guarantees in the easyPROTECT contract) — Printed under the heading “Are there any restrictions on cover ?”; it states both a cover limit and a non-combination rule with the other easyPROTECT guarantees. Hunting CL p. 1

Obligations de l'assuré

  • Provide as complete and accurate a description as possible of the risk to be insured, without misrepresentation or omission p. 2
  • Report to the company any new circumstances that may increase the risk or create new ones (During the contractual period) p. 2
  • Notify the company of any change in the data included in the contract, in particular in the event of a change of address or a change of bank account (During the contractual period) p. 2
  • Pay your insurance premiums within the time limits stipulated in your contract. In case of non-payment, the company can suspend the warranties or cancel the contract (During the contractual period · In case of non-payment, the company can suspend the warranties or cancel the contract) p. 2
  • Declare all claims within eight days of their occurrence and obtain the company’s consent before any action involving its intervention (In the event of a claim) p. 2
  • Provide as soon as possible all information enabling the company to determine the circumstances and assess the extent of the damage. (In the event of a claim) p. 2
  • Legal protection: Free choice of lawyer in Luxembourg. For abroad, the prior agreement of the insurance company is required. (Special provisions per guarantee) p. 2

Procédure de sinistre

  1. Declare all claims within eight days of their occurrence. (délai : within eight days of their occurrence) p. 2
  2. Obtain the company’s consent before any action involving its intervention. (délai : before any action involving its intervention) p. 2
  3. Provide all information enabling the company to determine the circumstances and assess the extent of the damage. (délai : as soon as possible) p. 2
  4. Free choice of lawyer in Luxembourg. For abroad, the prior agreement of the insurance company is required. p. 2

Durée & résiliation

  • Durée : The start (effective date) and expiry of the contract are indicated in the Special Conditions
  • Reconduction tacite : oui
  • Préavis : 30 days before the annual expiry date of the contract (cancellation by the customer); 60 days before the annual expiry date of the contract (notification by the company)
  • Modalité : Cancellation must be requested by registered letter
  • Droit spécial : The contract is extended from year to year unless terminated by the customer or the company (tacit renewal)
  • Droit spécial : Student housing: Provided that an insurance certificate has been issued to the insured person, coverage is granted for the period indicated on the certificate
  • Droit spécial : Cancellation must be requested by registered letter 30 days before the annual expiry date of the contract, within one month following the cancellation of a guarantee or other contract by the company after a claim or within 60 days after a rate increase notified by the company.
  • Droit spécial : The company may cancel the contract after a claim has been submitted, in the event of fraud, non-payment, or following notification 60 days before the annual expiry date of the contract.

Prime

  • Indexation : Two Family CL limits are printed as indexed amounts — “EUR 2,700 (index 100)” and “EUR 36,000 (index 100)”. The document names neither the index used nor its current value.
  • The amount indicated on the annual due date notice is payable on the first day of the month of the due date
  • Monthly payments may be made by direct debit, without additional costs
  • Pay your insurance premiums within the time limits stipulated in your contract. In case of non-payment, the company can suspend the warranties or cancel the contract

Conditions particulières

  • Disclaimer: This document is not tailored to your specific needs and the information and obligations set out herein are not exhaustive. For full information on the rights and obligations of the insurance company and policyholders, please consult the general and/or special conditions relating to the insurance product chosen. p. 1
  • easyPROTECT Family Civil Liability covers you and any person living in your household with you when your liability is implicated for damage caused to a third party in the context of your private life. Consequential damage caused to others is covered if it is the result of a breach of an obligation of one of the insured parties, i.e. if it does not result from force majeure, or if it is the fault of the victim or a third party. easyPROTECT Building CL covers insured persons for damage caused to third parties by a building or land owned by the insured person who does not live on the land or in the building. Under the easyPROTECT Hunting CL, the Company grants coverage to the policyholder and other insured persons in the event that a third party claims damages from them in the event that, during the period of validity of the contract, damage occurs during hunting that causes either bodily injury or material damage. p. 1
  • The “What is not insured ?” box closes with the note “Non-exhaustive list”: the printed exclusions are not the complete list. p. 1
  • The “Are there any restrictions on cover ?” box also closes with the note “Non-exhaustive list”. p. 1
  • (guarantees that cannot be combined with other guarantees in the easyPROTECT contract) p. 1
  • The guarantees are valid throughout Europe, and worldwide for stays outside Europe of up to 45 days. The guarantees are granted in accordance with the conditions of the legislation in force in the country concerned. p. 2
  • The guarantees are granted to the location of the building indicated in the “Place of insurance” of the Special Conditions. p. 2
  • The guarantees are valid throughout Europe, with the exception of Albania, the former Yugoslavia and Turkey. In countries other than the Grand Duchy of Luxembourg, the guarantee is granted in accordance with the legislation in force in the country concerned. p. 2
  • Student housing: Provided that an insurance certificate has been issued to the insured person, coverage is granted for the period indicated on the certificate — printed under “When does the cover start and end ?”. No “student housing” cover appears anywhere in the “What is insured ?” box of this document. p. 2

Lacunes d'extraction

  • ANOMALIE D’ORDRE DE LECTURE, signalée parce qu’elle change la façon dont le document se lit : le texte plat de la page 1 émet le « Disclaimer » et l’encadré « What type of insurance is it ? » EN DERNIER, après les trois encadrés, alors qu’ils sont IMPRIMÉS EN HAUT de la page, au-dessus de « What is insured ? ». Vérifié par coordonnées (Disclaimer y0 = 130,7 pt ; « What type of insurance is it ? » y0 = 180,6 pt ; « What is insured ? » y0 = 333,7 pt) et sur un rendu. Aucune valeur n’est mal rattachée — les deux blocs sont autonomes et précédés de leur propre titre — mais un lecteur du texte plat verrait ces deux blocs à la fin du document. page reste 1 pour les deux.
  • Contrôle de l’ordre des colonnes : la page 1 est typographiée en deux colonnes (x0 ≈ 29,8 pt à gauche pour « What is insured ? », x0 ≈ 307,6 pt à droite pour « What is not insured ? » puis « Are there any restrictions on cover ? »). Le texte plat émet la colonne de gauche intégralement avant celle de droite : l’ordre horizontal correspond à l’impression et AUCUNE INVERSION DE COLONNES n’a été détectée ; aucune exclusion n’a atterri dans la liste des garanties ni l’inverse. Le seul désordre est vertical et concerne les deux blocs pleine largeur décrits ci-dessus.
  • Porteur de risque non déterminable : le document imprime uniquement la marque « LALUX Assurances » dans la ligne d’identité « LALUX Assurances - Product : easyPROTECT Civil Liability », puis parle de « the Company » / « the company » / « the insurance company ». Aucune forme sociale, aucun numéro RCS, aucune adresse, aucun agrément et aucun superviseur ne figurent sur les deux pages ; il est donc impossible, sur ce seul document, de dire laquelle des entités agréées porte le risque. insurer_name reprend la marque imprimée plutôt que la valeur « lalux » des métadonnées de la tâche.
  • Aucune date d’édition, aucun numéro de version et aucune référence interne ne sont imprimés : edition_date et reference sont null. Les métadonnées internes du PDF portent une date de création et de modification du 2018-10-08 14:16:38+02:00 et un nom de source InDesign « IPID_RC FamiIiale, Immeuble et Chasse_LALUX_easyPROTECT_EN.indd » (avec un I majuscule à la place du premier l de « Familiale ») ; c’est une métadonnée de fichier et non un contenu imprimé, elle n’a pas été retenue comme date d’édition.
  • Intitulé de rubrique contredit par son contenu (défaut conservé, non corrigé) : le troisième encadré s’intitule « Are there any restrictions on cover ? » et ses cinq puces sont effectivement des restrictions, mais quatre d’entre elles sont des plafonds d’indemnisation (EUR 2,700 (index 100), EUR 36,000 (index 100), EUR 1,500,000, EUR 125,000) et une un seuil de recouvrement (EUR 500). Les cinq ont été enregistrées à la fois dans exclusions — parce que c’est là que le document les imprime — et dans les champs limits / sub_limits des garanties correspondantes, afin qu’aucune des deux lectures ne soit perdue. Total de 11 exclusions = 1 (parenthèse d’exclusion imprimée dans l’encadré vert des couvertures) + 5 (encadré « What is not insured ? ») + 5 (encadré « Are there any restrictions on cover ? »).
  • Sous-titre manquant dans l’encadré des obligations, défaut conservé : « What are my obligations ? » commence directement par une puce (« Provide as complete and accurate a description as possible of the risk to be insured… ») sans aucun intertitre au-dessus, alors que les intertitres suivants sont bien imprimés (« During the contractual period », « In the event of a claim », « Special provisions per guarantee »). Vérifié sur un rendu : rien n’est imprimé au-dessus de cette première puce. Le timing de cette obligation est donc laissé à null. Observation, non utilisée pour remplir le champ : d’autres IPID lalux bâtis sur le même gabarit portent ici un intertitre de souscription ; ce sont des documents distincts et rien n’a été repris d’eux.
  • Renvoi orphelin, conservé tel quel : la clause « Student housing: Provided that an insurance certificate has been issued to the insured person, coverage is granted for the period indicated on the certificate » est imprimée sous « When does the cover start and end ? », alors qu’aucune garantie « student housing » n’apparaît nulle part dans l’encadré « What is insured ? » ni ailleurs dans le document. La clause a été conservée dans duration_and_cancellation.special_rights et dans special_conditions ; aucune garantie correspondante n’a été créée.
  • Deux garanties de protection juridique sont imprimées avec un préfixe « + » en gras et SANS coche verte, à l’intérieur des blocs « Family CL - Basic guarantees » et « Building CL - Basic guarantees » (vérifié par coordonnées — aucune image de puce à leur hauteur — et sur un rendu). Elles ont été enregistrées comme garanties avec is_optional: false, d’après leur placement sous l’intitulé « Basic guarantees » ; le document n’emploie jamais le mot « option » et ne chiffre aucun supplément de prime.
  • is_optional: false pour les treize garanties : les trois blocs sont intitulés « Basic guarantees ». Le document ne mentionne aucune garantie optionnelle. Il énonce en revanche une règle de non-cumul propre à la chasse : « (guarantees that cannot be combined with other guarantees in the easyPROTECT contract) ».
  • Le document couvre trois branches distinctes sous un même produit : responsabilité civile familiale, responsabilité civile immeuble et responsabilité civile chasse. branch a été laissé à rc-familiale, conformément aux métadonnées de la tâche et au fait que la RC familiale est la première garantie imprimée et celle que développe l’encadré « What type of insurance is it ? ». Le slug chasse existe aussi pour ce pays et couvrirait le volet Hunting CL ; le choix d’un slug unique est signalé ici pour qu’un relecteur puisse trancher.
  • Sections absentes du document, laissées vides ou nulles : aucune définition contractuelle (definitions vide), aucune franchise (deductibles null — le mot « deductible » ou « excess » n’apparaît pas), aucun délai de carence (waiting_periods vide), aucune prescription (prescription_period null). Les deux encadrés d’exclusions portent la mention imprimée « Non-exhaustive list » et les conditions générales et particulières ne sont pas jointes : ni les exclusions ni les restrictions transcrites ici ne sont complètes au regard du contrat.
  • Méthode et contrôles : le texte du PDF a été ré-extrait localement avec page.get_text("text") page par page et est identique caractère pour caractère au texte du prompt (6 864 caractères), donc aucune troncature. Les puces sont des images bitmap (21 en page 1, 3 en page 2) sans texte associé ; leur polarité a été lue sur un rendu : coches vertes (largeur 7,2 pt) à x0 = 29,8 pt pour « What is insured ? », croix rouges (6,7 pt) à x0 = 307,6 pt pour « What is not insured ? », points d’exclamation orange (2,4 pt) à x0 = 309,5 pt pour « Are there any restrictions on cover ? ». Les comptes ferment exactement : 11 + 5 + 5 = 21 = toutes les images de la page 1, et 3 en page 2 pour les trois puces de « Where am I covered ? ». Les 11 coches donnent 11 garanties ; les 2 garanties de protection juridique en « + » n’ont pas de puce, d’où 13 garanties au total.
  • Le document n’imprime aucun folio ni pied de page : les numéros de page cités sont ceux des marqueurs [page N], vérifiés par recherche d’ancre pour chaque citation.
  • Le symbole € n’apparaît nulle part : les cinq montants sont imprimés en anglais avec « EUR » devant le nombre et la virgule comme séparateur de milliers (« EUR 2,700 », « EUR 36,000 », « EUR 500 », « EUR 1,500,000 », « EUR 125,000 »), forme vérifiée sur un rendu. Les montants sont repris verbatim, sans conversion de format ni ajout de symbole monétaire.

Source & fidélité